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Hey there, To qualify for the Best Buy gift card you would have to have your phone completely paid off ( owned ). The $32 you mentioned is considered an early upgrade. Since you're only 20 payments in out of 30, consider it like a lease.. AT&T requires that phone to be returned to them since it wasn't paid in full. Hope that helps . - C
Sorry, there was a problem. Please try again later.Yes. You’ll need to pay off 80% of the phone value to qualify and trade-in the phone or pay off the entire value of the phone to keep the phone.
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